Call reports 2009
FIRST CENTRAL BANK — 2009
What FIRST CENTRAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,936,000 | 75,047,000 | 74,561,000 | 74,507,000 |
| Total loans | 52,980,000 | 57,413,000 | 56,784,000 | 55,144,000 |
| Allowance for loan losses | 663,000 | 645,000 | 561,000 | 624,000 |
| Securities available for sale | 5,386,000 | 5,127,000 | 5,539,000 | 5,000,000 |
| Securities held to maturity | 6,348,000 | 6,777,000 | 6,922,000 | 7,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,839,000 | 63,503,000 | 63,022,000 | 63,440,000 |
| Interest-bearing deposits | 55,470,000 | 57,560,000 | 57,654,000 | 56,917,000 |
| Noninterest-bearing deposits | 7,369,000 | 5,943,000 | 5,368,000 | 6,523,000 |
| Equity capital | 7,142,000 | 7,105,000 | 7,130,000 | 7,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,103,000 | 3,187,000 | 4,200,000 |
| Interest expense | 381,000 | 738,000 | 1,096,000 | 1,436,000 |
| Net interest income | 692,000 | 1,365,000 | 2,091,000 | 2,764,000 |
| Noninterest income | 107,000 | 230,000 | 330,000 | 509,000 |
| Noninterest expense | 513,000 | 1,148,000 | 1,699,000 | 2,160,000 |
| Provision for loan losses | 270,000 | 460,000 | 660,000 | 1,016,000 |
| Pretax income | 19,000 | -10,000 | 65,000 | 97,000 |
| Income tax | -12,000 | -42,000 | -40,000 | -59,000 |
| Net income | 31,000 | 32,000 | 105,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,051,000 | 7,015,000 | 7,032,000 | 7,083,000 |
| Total capital | 7,714,000 | 7,660,000 | 7,593,000 | 7,707,000 |
| Risk-weighted assets | 58,770,000 | 62,757,000 | 62,513,000 | 61,758,000 |
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